Barclay's lists two Rewards cards. One is for good credit and one is for excellant credit. Does anyone know the low cutoff score for excellent? As I type this I'm thinking "I haven't made it back to the excellent range yet" but I'm still wondering 
Barclaycard® Rewards – Excellent Credit
Earn 2 points per $1 spent on gas, groceries and utilities and 1 point per $1 spent on all other purchases. Enjoy a 0% introductory APR on balance transfers and purchases for the first 18 months after account opening - after that, a variable APR, currently 14.99% or 19.99%, based on your creditworthiness. Use your points for a statement credit on almost any purchase with the Barclaycard Rewards MasterCard.
Barclaycard® Rewards – Good Credit
Earn 2 points per $1 spent on gas, groceries and utilities and 1 point per $1 spent on all other purchases. Use your points for a statement credit on almost any purchase with the Barclaycard Rewards MasterCard.
@masscredit wrote:Barclay's lists two Rewards cards. One is for good credit and one is for excellant credit. Does anyone know the low cutoff score for excellent? As I type this I'm thinking "I haven't made it back to the excellent range yet" but I'm still wondering
Barclaycard® Rewards – Excellent Credit
Earn 2 points per $1 spent on gas, groceries and utilities and 1 point per $1 spent on all other purchases. Enjoy a 0% introductory APR on balance transfers and purchases for the first 18 months after account opening - after that, a variable APR, currently 14.99% or 19.99%, based on your creditworthiness. Use your points for a statement credit on almost any purchase with the Barclaycard Rewards MasterCard.
Barclaycard® Rewards – Good Credit
Earn 2 points per $1 spent on gas, groceries and utilities and 1 point per $1 spent on all other purchases. Use your points for a statement credit on almost any purchase with the Barclaycard Rewards MasterCard.
Barclay Prequal Have you tried this link? It will tell you "Congratulations!" if there is a card for you. I know this doesn't directly answer your question, and really, no one would be able to say for 100% certain what Barclay's underwriting criteria for the card was. Each credit report is different.
I didn't see that link. Checking it out now. They ask "How would you rate your credit?" I'm wondering how they would rate my credit I believe at one time 720 or high would get some of the best rates available. Some places do it for 675-680. So I don't know what their criteria is for excellent.
@masscredit wrote:They ask "How would you rate your credit?" I'm wondering how they would rate my credit
I recently looked at Lending Club and Prosper loan SP prequals... and they had different ranges for credit "ratings" in the same niche financial market. Like ranges off by 40 points. (Prosper's dividing lines are 640/700/760, LC is 600/660/720 for breaking into fair/good/excellent.) I know unsecured loans and unsecured credit cards are different, but that gives you an idea of how broad a range might exist.
So it's hard to say, but I would expect at the worst 740+ would be excellent and under 600 would be "ha ha, come back in two years"
Edited to add: You could check a certain website that shows past pulls, to get an idea of what's gone in what direction for other people. It's anecdotal but might be more useful.
@NoAnchoviesPlease wrote:
@masscredit wrote:They ask "How would you rate your credit?" I'm wondering how they would rate my credit
I recently looked at Lending Club and Prosper loan SP prequals... and they had different ranges for credit "ratings" in the same niche financial market. Like ranges off by 40 points. (Prosper's dividing lines are 640/700/760, LC is 600/660/720 for breaking into fair/good/excellent.) I know unsecured loans and unsecured credit cards are different, but that gives you an idea of how broad a range might exist.
So it's hard to say, but I would expect at the worst 740+ would be excellent and under 600 would be "ha ha, come back in two years"
+1
@NoAnchoviesPlease wrote:
@masscredit wrote:They ask "How would you rate your credit?" I'm wondering how they would rate my credit
I recently looked at Lending Club and Prosper loan SP prequals... and they had different ranges for credit "ratings" in the same niche financial market. Like ranges off by 40 points. (Prosper's dividing lines are 640/700/760, LC is 600/660/720 for breaking into fair/good/excellent.) I know unsecured loans and unsecured credit cards are different, but that gives you an idea of how broad a range might exist.
So it's hard to say, but I would expect at the worst 740+ would be excellent and under 600 would be "ha ha, come back in two years"
Edited to add: You could check a certain website that shows past pulls, to get an idea of what's gone in what direction for other people. It's anecdotal but might be more useful.
Good idea! Looking at that site now. People list the Rewards card but it doesn't note which version. Maybe I'll give Barclay's a call if I decide to apply. Like they say, the answer is no if you don't ask.
@masscredit wrote:
@NoAnchoviesPlease wrote:
Edited to add: You could check a certain website that shows past pulls, to get an idea of what's gone in what direction for other people. It's anecdotal but might be more useful.
Good idea! Looking at that site now. People list the Rewards card but it doesn't note which version. Maybe I'll give Barclay's a call if I decide to apply. Like they say, the answer is no if you don't ask.
I see a California listing that explicitly says "Barclaycard Rewards - Avg Credit" with a $1500 limit at TU FICO 639. That one says they match highest current CL if you have a low score. YMMV of course. (I just searched for "barclay" without specifying a CRA... their search engine seems very strange (if you have extra spaces in the fields, it'll mess you up).
I just checked Capital one prequal, and they have even stranger definitions of credit levels. By this categorization I have "Excellent Credit" but they still won't bump my QS above $1k.
@masscredit wrote:I didn't see that link. Checking it out now. They ask "How would you rate your credit?" I'm wondering how they would rate my credit
Is that 665 TU in your signature accurate? I suppose excellent can be subjective but I would say over 750 is excellent.